{
  "canonical_url": "https://lendb.ai/s/vacation-home/montana",
  "summary": "As of 2026-10-09, LenDb lists 4 loan officers licensed in or based in Montana whose lender pages show Vacation home work. The top-ranked are Pat Fox (Union Home Mortgage, Tigard), Melissa Bergren (Guild Mortgage, Ellensburg) and Scott Hazard (Embrace Home Loans, Jamestown). Ranking is lender-neutral: specialty evidence first, then a license in MT, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "vacation-home",
  "state": "MT",
  "total": 4,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 58.3,
      "loan_officer": {
        "nmls_id": 199779,
        "slug": "pat-fox-199779",
        "full_name": "Pat Fox",
        "canonical_url": "https://lendb.ai/lo/pat-fox-199779",
        "json_url": "https://lendb.ai/lo/pat-fox-199779.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
          "type": "imb"
        },
        "branch": {
          "city": "Tigard",
          "state": "OR"
        },
        "licensed_states": [
          "AZ",
          "CA",
          "MT",
          "OR",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 17,
        "lender_profile_url": "https://www.uhm.com/loan-officers/pat-fox/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 17 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/pat-fox-199779",
      "license_check": {
        "state": "MT",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.uhm.com/loan-officers/pat-fox/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "vacation-home"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 931932,
        "slug": "melissa-bergren-931932",
        "full_name": "Melissa Bergren",
        "canonical_url": "https://lendb.ai/lo/melissa-bergren-931932",
        "json_url": "https://lendb.ai/lo/melissa-bergren-931932.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Ellensburg",
          "state": "WA"
        },
        "licensed_states": [
          "AK",
          "MT",
          "WA"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/wa/ellensburg/melissa-bergren-787-hpmb.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/melissa-bergren-931932",
      "license_check": {
        "state": "MT",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/wa/ellensburg/melissa-bergren-787-hpmb.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "vacation-home"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 45.3,
      "loan_officer": {
        "nmls_id": 30883,
        "slug": "scott-hazard-30883",
        "full_name": "Scott Hazard",
        "canonical_url": "https://lendb.ai/lo/scott-hazard-30883",
        "json_url": "https://lendb.ai/lo/scott-hazard-30883.json",
        "lender": {
          "nmls_id": 2184,
          "name": "Embrace Home Loans",
          "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184",
          "type": "imb"
        },
        "branch": {
          "city": "Jamestown",
          "state": "RI"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CT",
          "IL",
          "MA",
          "MT",
          "NY",
          "RI"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "licensed_since": {
          "year": 2011,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.embracehomeloans.com/location/rhode-island/jamestown/scott-hazard",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2011 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/scott-hazard-30883",
      "license_check": {
        "state": "MT",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.embracehomeloans.com/location/rhode-island/jamestown/scott-hazard"
      },
      "match_status": "exact",
      "matched_specialties": [
        "vacation-home"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 37.8,
      "loan_officer": {
        "nmls_id": 200547,
        "slug": "nick-carter-200547",
        "full_name": "Nick Carter",
        "canonical_url": "https://lendb.ai/lo/nick-carter-200547",
        "json_url": "https://lendb.ai/lo/nick-carter-200547.json",
        "lender": {
          "nmls_id": 3240,
          "name": "Directors Mortgage",
          "canonical_url": "https://lendb.ai/lender/directors-mortgage-3240",
          "type": "imb"
        },
        "branch": {
          "city": "Eugene",
          "state": "OR"
        },
        "licensed_states": [
          "AZ",
          "CA",
          "CO",
          "ID",
          "MT",
          "NV",
          "OR",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.directorsmortgage.com/loan-officer/nick-carter/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/nick-carter-200547",
      "license_check": {
        "state": "MT",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.directorsmortgage.com/loan-officer/nick-carter/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "vacation-home"
      ],
      "unconfirmed_specialties": []
    }
  ]
}